An Employer Identification Number (EIN) is like a Social Security number for your business. Even though you don’t need employees to get one, many freelancers apply for an EIN so they can stop handing out their SSN on W-9 forms, open a business bank account and look more established. It’s free and takes about 10–15 minutes online. Here’s exactly how to get an EIN as a freelancer, step by step.
Short answer: to get an EIN as a freelancer, go to the IRS website and use the free online EIN application during its operating hours. Choose “Sole proprietor” (or LLC if you have one), enter your details and SSN, and you’ll receive your EIN immediately. Never pay a website for an EIN. The IRS doesn’t charge for it.
Key takeaways
- An EIN is free from the IRS. Sites that charge are optional middlemen.
- Sole proprietors with no employees don’t strictly need an EIN, but it protects your SSN.
- LLCs with employees, multi-member LLCs and corporations need an EIN.
- Apply online and get the number immediately; you can apply for only 1 EIN per responsible party per day.
- You need a valid SSN or ITIN to use the online application.
Do freelancers need an EIN?
| Your situation | EIN required? | Notes |
|---|---|---|
| Sole proprietor, no employees | No, but recommended | Use it on W-9s instead of your SSN |
| Single-member LLC, no employees | Often not for income tax, but usually needed for banking | Banks and some states typically require one |
| You hire employees | Yes | Required for payroll taxes |
| Multi-member LLC or partnership | Yes | Needed for the partnership return |
| S corp or corporation | Yes | Required for the business tax return and payroll |
| You have a Solo 401(k) | Often yes | Many plan providers require an EIN |
Why freelancers get an EIN even when it’s optional
- Privacy and identity theft protection: clients ask for a tax ID on Form W-9. Sharing an EIN instead of your SSN limits exposure if a client’s records are breached.
- Business banking: many banks ask for one, and it keeps business and personal finances separate. See the best business bank accounts for freelancers.
- Professional image: it signals you’re running a business, not a side gig.
- Future growth: if you form an LLC or hire, you’re already set up.
How to get an EIN as a freelancer online (step by step)
- Go to the official IRS EIN page and select “Apply online now.” Check that the URL ends in irs.gov.
- Check the hours. The online tool is available Monday–Friday 6 a.m. to 1 a.m. ET, Saturday 6 a.m. to 9 p.m. ET and Sunday 6 p.m. to midnight ET.
- Choose your entity type: “Sole proprietor” if you freelance under your own name, or “Limited liability company” if you’ve formed one.
- Explain why you’re applying: usually “Started a new business” or “Banking purposes.”
- Enter the responsible party’s details: your name and SSN or ITIN.
- Enter your business details: address, business name (your name or DBA), start date and type of work.
- Answer the employee questions. Most freelancers have no employees.
- Receive your EIN on screen and download the confirmation letter (CP 575) as a PDF. Save it somewhere safe.
You can’t save a session and come back. The application times out after a period of inactivity, so have your information ready.
Other ways to apply
- Fax or mail Form SS-4 if you can’t use the online tool. It takes longer.
- International applicants without an SSN or ITIN can apply by phone or fax using the process described on the IRS website.
After you get your EIN
- Use it on Form W-9 for clients instead of your SSN.
- Open a business bank account and give the bank your EIN confirmation letter.
- Add it to your accounting software and invoices if clients need it. Never put your SSN on invoices.
- If you form an LLC later, check whether you need a new EIN, since some changes in entity type require one.
An EIN doesn’t change how you pay tax as a sole proprietor: you still report income on Schedule C and pay quarterly estimated taxes. Clients who pay you $2,000 or more in 2026 or later will typically send a Form 1099-NEC using your EIN.
Beware of EIN scams and paid services
The IRS warns: “You never have to pay a fee” for an EIN. Websites that look official and charge $50–$300 are just filing the free form for you. Only apply through irs.gov, and be cautious of emails or calls claiming your EIN needs “renewal.” EINs don’t expire.
Frequently asked questions
How much does an EIN cost?
Nothing. Applying for an EIN directly with the IRS is free. Third-party sites may charge a fee to apply on your behalf, but it’s unnecessary.
How long does it take to get an EIN?
Online applications issue the EIN immediately once you complete the form. Fax and mail applications take longer.
Can a sole proprietor have an EIN?
Yes. Sole proprietors can get an EIN even without employees, and many do so they can use it instead of their Social Security number on W-9 forms.
Do I need a new EIN if I form an LLC?
Generally, a sole proprietor who forms an LLC gets a new EIN for the LLC. Check the IRS guidance for your specific change.
How do I find my EIN if I lost it?
Look for your CP 575 confirmation letter, old tax returns or bank documents. You can also call the IRS Business & Specialty Tax Line to verify it after confirming your identity.
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Disclaimer: This article is for informational purposes only and is not tax, legal or financial advice. OwnWork HQ is not a CPA or tax advisor. Tax rules change and depend on your situation, so confirm details with the IRS or a qualified tax professional before you act.